Co-operative Bank Business Bank Account Reviews
Latest Reviews
★☆☆☆☆
“CoOps business account online is woeful ”
Written on: 31/03/2013
Joined on the basis of their ethical stance leaving to go to another ethical bank (Triodos) which I use at work and is simply 100 times better for online banking. CoOp's business banking online is hopeless, difficult to navigate, slow, prone to freezing, with hardly any worthwhile features. If they were even nearly as good as the opposition I would stay with them but they ain't! (read more)
★☆☆☆☆
“Online bank looks worse than any website I have ever used”
Written on: 25/03/2013
I have no problem with the bank except they took ages to set my company up, that put me in serious jeopardy as my client could have at any point decided not to pay. However when I got access to the online banking service I could hardly believe my eyes. It is the most ugly, archaic and confusing online service I have ever seen and I have been involved in online apps since the early 90s. For example if I list transactions it only lists the last 4. This is deceptive because at no point does it... (read more)
★☆☆☆☆
“Well here we go again”
Written on: 25/02/2013 by menglish65 (3 reviews written)
Things did get a bit better... but now on the slide again. web site awful.. call center expensive and slow to answer. How be ethical when other banks offer paperless statements etc.. whereas Co Op still paper, and if like our business many foreign transaction that a letter comes each time.. why don't they update and have a web based foreign currency account section. I would change but is it better the devil you know, because there is few business account reviews that put there banks in... (read more)
★★☆☆☆
“Uncompetative overdraft facilities/ terrible online...”
Written on: 25/02/2013 by FearlessWorrier
I have been with Coop for over 12 years. Admittedly they have been very good generally through this time period while internet banking technology was in its infancy. Lately however, there clunky, difficult and very limited web and app offerings have been increasingly out of date and old fashioned when compared with more up to date offerings like First Direct or even established ones such as Intelligent Finance. In addition their stingy overdraft facilities offerings together with telephone... (read more)
★☆☆☆☆
“Dreadful online banking and poor service”
Written on: 28/01/2013
I've been using this bank for my business account for over four years now as it was recommended by the FSB but their atrociously bad online banking is making me think of quitting. I like their ethical values but the website is a rip off, appallingly hard to use and un-user friendly. Add to that the difficulty of finding a branch locally and their not-particularly-helpful banking staff, I'd say to anyone not to waste your time with this bank and I will be leaving it soon. I stayed with it for... (read more)
★★☆☆☆
“Ethical but incompetent”
Written on: 14/06/2012
No end of probelms with poor service. Initially their online banking was inacessable most of the time. That is nw OK, but I find things like their anti-fraud dept cancelling payments without bothering to contact us, foreign transactions not being done until a day or two later (once a 2 week delay was blamed on the world cup being on!), and general incompetence at anything other than the basic core transactions. They also decide on loans and overdrafts before asking you how much it is for,... (read more)
★☆☆☆☆
“Regretting signing up and wondering what to do next”
Written on: 07/06/2012 by truffledog
Banked very happily with First Direct for many years with no problems at all but when I became a Ltd Co thought I needed a grown up business a/c. Attracted by the free service, ethical banking and FSB endorsement, but it's been a disaster. It took a total of 19 working days from submitting application to getting a working bank a/c with c/q book, paying in slips etc. I couldn't raise invoices because I had no bank details to give my customers. Also, they lost the cheque I sent them to open... (read more)
★★★☆☆
“Good price, but technically flawed on-line systems”
Written on: 17/05/2012
I've been a Co-op business customer now for about 3 years, after signing up through the FSB. Not a smooth transition from my Nat West business account, but the draw of no charges and a financial 'bung' for customer loyalty every year was attractive. Now, being an 'internet/e-commerce retailer', pretty much everything I do is on-line. This is where it all fell down (and still falls down) with the Co-op Business Banking service. Their on-line systems are probably the worst I have ever come... (read more)
★☆☆☆☆
“We don't want you”
Written on: 25/02/2012
Been with coop for 7 years and on average 8k a month always in credit I have no loans or credit with them they declined me on a basic business account as my credit file has 1 late payment for my car insurance which I had stopeed And is now deleted as a mistake by experian. On average they have lost about 40 cheques which on numerous times was paid into post offices which made it so you have to travel in my case 100 miles each way to the nearest coop bank . Use this bank at your own risk it... (read more)
★☆☆☆☆
“Business Account ...never got beyond application...”
Written on: 11/10/2011 by hellywellyhx
FSB Business account - applied 19th July. Spent the next three months phoning the co-op every week, sometimes several times a week. Different person everytime, no continuation or knowledge or ownership about our case. Information was given to me that was untrue (that they hadn't received our documents - and yet they returned them to us much later in the process!). We were first of all turned down for an FSB account, but decided to appeal because we wanted new division of our business to... (read more)
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Showing 1 - 10 of 67 Reviews
★★★★☆
“FSB Business Account”
Written on: 14/09/2011 by cglover (2 reviews written)
I have banked with Lloyds TSB for the last 10 years and decided to move because of the expensive charges and poor support. I have been pleased with Co-operative so far. The staff are polite and helpful. I bank cheques at my local Post Office and they are in my account within 2 days. Pros; FREE banking for FSB members! Cons; online banking is basic, took a long time to switch and set up account. (read more)
★★★★☆
“Pleased, after horrors from Gnatwest/RBS &...”
Written on: 13/09/2011 by johnhl01
After unbelievably bad service with Gnatwest on every level and poor service with Alliance, The Co-op have not yet put a foot wrong. I find them polite and helpful and the new version of the website is fine, excepth that I cannot use that to pay overseas, so back to sheets of tiny boxes and the fax. (read more)
★☆☆☆☆
“Took forever to open the personal account and I lost...”
Written on: 01/04/2011
Took forever to open the personal account and I lost count of the number of mistakes made. Terrible online banking services - both personal and business. For a caring and ethical bank they are shockingly quick to send unpleasant letters and apply charges. If there was another ethical bank I'd move like a flash. (read more)
★☆☆☆☆
“I am a small technology consultancy business which...”
Written on: 24/03/2011
I am a small technology consultancy business which turned over above £80,000 in my last accounting year. The business is basically me, and I mainly work on fixed term contracts or 3 months plus. I have been doing this for 25 years and business banking with the Cooperative since 1997. Unfortunately I haven't had a contract since October, but I have done a couple of small pieces of work, but the income was negligible. I have now managed to secure one for 3 months at £400 per day giving about... (read more)
Guest's Comment
Written on: 09/08/2011
For future reference it's better to agree an overdraft limit when the sun is shining. If you never use it then it won't cost you anything.
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★★★★☆
“I,m a new fsb/co op business account holder - lots of...”
Written on: 10/03/2011
I,m a new fsb/co op business account holder - lots of bad reviews on here but in my experience so far so good - leaving hsbc after 10years as they are useless / rip off charges and call centes in india etc abolutely no help when you need it - at least the co-op account is free (maybee my expectations are low) - most review issues with the co-op on here seem to be with their online banking which is a pity - if there are problems with it they should sort it out . hope I wont regret the move... (read more)
★☆☆☆☆
“The total lack of professionalism in just about every...”
Written on: 10/03/2011
The total lack of professionalism in just about every aspect of the Co-0perative Bank is quite astonishing! It seems to be run by young people with little experience and zero interest in customer service. Setting up my account took months and the 'lad' handling my charge card application clearly had no business experience and a very condescending attitude. When my account was eventually set up - 5 attempts at getting the spelling of my business name right (it is very straighforward!) and... (read more)
Randa1's Comment
Written on: 05/05/2011
The tariffs are provided on application and on the website.
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★☆☆☆☆
“Shocking customer service. We run a non-profit...”
Written on: 16/02/2011
Shocking customer service. We run a non-profit organisation and as such needed a simple current account for the business. Around 6 months ago they changed the security login procedure and we had to re-confirm our details. Ever since we have been unable to access our account through any other way than the cash point - requested new details twice and they have both somehow been lost at the bank - we have now closed the account and we would strongly recommend a person or organisation choose... (read more)
★★★★★
“My internet bank account has been satisfactory for...”
Written on: 06/01/2011 by J Manek (1 review written)
My internet bank account has been satisfactory for many years. My phone calls are answered politely and effectively. The password procedure works smoothly. They do not swamp me with bank charges and were compassionate enough to cancel my bank charge for bounced cheque when I explained the circumstances. I am very Happy with Co-Op bank and am moving my business bank account to Co-Op. I am delighted to find an ethical bank to be with. (read more)
Chriscollison's Response to J Manek's Review
Written on: 18/03/2011
You will regret it, mark my words. It's a different world. Not one that any business would want to live in.
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Guest's Response to J Manek's Review
Written on: 30/06/2011
I think this reviewer is talking about thepersonal account, which is far better than the business service. When they do move their business account to the Coop I think they will probably realise what everyone else is complaining about.
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★☆☆☆☆
“As previous reviewers have said....... use at your peril. ”
Written on: 23/11/2010
As previous reviewers have said....... use at your peril.
The free banking and ethical approach seem attractice and was what attracted me but whilst the call centre staff are helpful they are utterly powerless to sort anything out. God help you if you forget your PIN number as there is no other security measure so your account is essentially locked.
As for the internet banking, well that should be a object lesson as how not to do something, I work in IT and keep wondering how someone could...
(read more)
Fairtlough's Comment
Written on: 07/01/2011
Their latest business banking website had me gasping in disbelief. I've a lot of experience of IT and I develop our company's website. The Coop's is beyond bad. When I activated my account I spoke to someone who told me that the team who had built the website had no experience with the financial industry. It shows badly. Try to get transactions for the year before last. Cannot be done with less than 26 mouse clicks, and that's just to set up the date ranges!! you cannot even keep your mouse in the same place as you click repeatedly. So I think they also had little experience with user interface design or web design. How can a company the size of the Coop get it so wrong??? I think many other aspects of banking with the Coop are good but the managers need to go on a course on website design and take internet banking seriously for a change.
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★★★★★
“Amazing, best service I have ever used.”
Written on: 24/09/2010
Amazing, best service I have ever used. (read more)
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Showing 11 - 20 of 67 Reviews
★☆☆☆☆
“Banked With Co-Op business for almost 4 years now,...”
Written on: 17/09/2010
Banked With Co-Op business for almost 4 years now, tied mainly too the bank by outstanding borrowing. Have to say servive is terrible,the simplest of requests take weeks to process, and even thou I have a Clarity account and a so called personal account manaager, I have never been able to speak to them, or managed to get a call back off them. The staff are reasonably polite, but seem unable to process or deal with the simplest of request. No Branch support whatsoever, call centre staff... (read more)
★☆☆☆☆
“Appalling! I transferred to the Co-op Bank on the...”
Written on: 14/09/2010
Appalling! I transferred to the Co-op Bank on the promise of free banking from the FSB. Soon found out why it was free - no one would pay for such a dreadful service. The first cheque I paid in via their 'nominated post office' service went missing! It was cashed within 6 days from the customers account but didn't appear in my business account for nearly 1 month! I made 7 calls to the bank to trace it and got no help or support whatsoever. There was no communication from the call centre... (read more)
★☆☆☆☆
“Coop Bank Business Banking ”
Written on: 05/09/2010
Coop Bank Business Banking
My family have been members of the Coop since the 1940s and I have used the business banking for my business for the past five years.
Online banking is an essential part of my business these days and the Coop online business banking service has always been useless.
However I put up with it due to my loyalty and the ethical policies.
We have long been promised an improved business banking service but now it has arrived it is far, far, worse.
They have...
(read more)
★☆☆☆☆
“DO NOT BANK WITH THE COOPERATIVE BANK. ”
Written on: 16/08/2010
DO NOT BANK WITH THE COOPERATIVE BANK.
This is the worst bank I have ever had the displeasure in bankign with. They are incompetant, the online banking doesn't work, they are slow, they lose letters. For a business, the online banking system OFTEN does not work.
Their service is APPALLING. I am in the process of migrating to another bank and can't wait for the day that this coop account is closed.
AVOID AT ALL COSTS
(read more)
★☆☆☆☆
“Sorry co-op so many issues with you that if we weren't...”
Written on: 08/07/2010
Sorry co-op so many issues with you that if we weren't such an ethically minded organisation we would of moved by now and sadly may still as your online system and correspondance is very poor.
I must say though the people I have spoke to in customer services have been polite nice people...just unable ot solve my problems sadly.
(read more)
★☆☆☆☆
“ ”
Written on: 23/06/2010
I love the Coop bank and its ethical stance on a range of issues. However I do require a bank to offer a proffesional or even a useable service to its customers.
The Coop on line business banking is an absolute waste of time. I have been with them for over 4 years - Over the last year over 75% of the time I have used the online service - the system has crashed.
When I have complained - there is always a promise of better service / new server in the future.
To date - late June the service...
(read more)
★☆☆☆☆
“It's June 2010, the oft-quoted go-live month for the...”
Written on: 08/06/2010
It's June 2010, the oft-quoted go-live month for the Co-Op Business Bank's new on-line system. And we have ... ?
Nothing. Zip. Nada.
That's it, I've had enough.
Goodbye, Co-op; see you in Carey Street, no doubt.
(read more)
★☆☆☆☆
“We used to run our business account with HSBC. After...”
Written on: 17/05/2010
We used to run our business account with HSBC. After suffering their Indian call centres and their robotic procedurised and ultimately ineffective help for 'non-standard' issues (we only ever phoned them for non-standard issues that couldn't be resolved by reference to the HSBC website), we decided to change to Co-op Bank. What a big mistake this was. The online system rarely works when we need it to - during 'busy periods' - ie all day, every day. The alternative is to phone them up and... (read more)
★☆☆☆☆
“Reading through the reviews, I wish I'd done so before...”
Written on: 04/05/2010
Reading through the reviews, I wish I'd done so before I opened account. As others, I was attracted by the ethical approach but I've wasted to so much time trying to get the system to work. It constantly crashes, today you can't make a future payment because they are upgrading in June (its May 4th!) and despite two years of complaining, it never gets sorted out. Today I made the decision: I have to move to a new account with a better online banking system. If you're reading this and are... (read more)
★☆☆☆☆
“Trying to do anything online with this bank is...”
Written on: 30/04/2010
Trying to do anything online with this bank is incredibly frustrating. Like everyone else I was reeled in by the "ethical banking" thing, but every time I attempt even the simplest transaction I end up feeling extremely unethical. There isn't even any way to send them a rude email. I'd phone but I'm currently overseas and don't fancy paying to wait for ages in a phone queue. When I did phone to complain last year I was told they would be "getting a new internet soon"! Says it all really. It... (read more)
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Showing 21 - 30 of 67 Reviews
★☆☆☆☆
“The free banking arrangements offered by the...”
Written on: 27/04/2010
The free banking arrangements offered by the Co-operative Bank via the Federation of Small Businesses are a waste of time. My company's costs have rocketed over the last eighteen months as a direct result of resources expended in trying to work with this bank's appalling online system (it is entirely inappropriate to use the word 'service'). Why the FSB are still promoting the Co-operative Bank, God only knows. Previously, we were determined to ditch LTSB because of a fundamental difference... (read more)
★☆☆☆☆
“For some reason somebody has given Co Operative...”
Written on: 26/04/2010
For some reason somebody has given Co Operative business banking 5 stars which has given it currently a 1.3 ratio, if there were minus stars I'd give it 5. Really disappointed with the 'Online' banking it's an absolute joke of a system and completely unsecure. (read more)
★☆☆☆☆
“Just awful. Cannot log on at the moment. Is there a...”
Written on: 31/03/2010
Just awful. Cannot log on at the moment. Is there a page saying 'Please log on again at a later date because the site is down?'. Nope. Just try to log on and get an 8712 error... Phoned them, was told system is down and that a new system would be implemented soon. They said this 2 years ago. it is not acceptable. I would say on average I get system errors thrown back at me 90% of the time I use it.
Trying to transfer monies usually takes 5 attempts as it normally crashed with 'Corba'...
(read more)
★☆☆☆☆
“I could not agree more with the other reviewers. I...”
Written on: 23/03/2010
I could not agree more with the other reviewers. I chose to use Co-op because I agree with the ethics, but the fact that they are ethical is no excuse for being absolutely awful. The only interface I ever actually use is the internet banking and it is unbelievably bad. It manages to have security procedures which are simultaneously weak AND burdensome (it requires only a password, but wants you to constantly change it), which is quite a feat. It looks like it was designed by a 3-year-old,... (read more)
★☆☆☆☆
“the business internet banking site is a complete...”
Written on: 09/03/2010
the business internet banking site is a complete joke.. just a username and password required to log in, & username is set by them, and is.. wait for it.. my name.. it is without doubt, the worst ever website in the history of the internet, & offered as a suitable business account by the FSB, is truly shocking. It's so slow & clunky, that the words slow & clunky need to be redefined. If you run your own company, then don't touch them with a mile long barge pole, or even look in the co-ops... (read more)
★☆☆☆☆
“Took 6 weeks to set up account. Other banks will do it...”
Written on: 22/01/2010
Took 6 weeks to set up account. Other banks will do it on the spot.
I have forgotten my password and cannot access my account because they are insisting on a passcode that is not set up. I have had to wait for a form to be posted. I posted it back Monday. Now Friday and they have no record of it.
I chose them because of their ethical policies but first I need access to MY money.
(read more)
★☆☆☆☆
“Dreadful customer service and antiquated systems! I've...”
Written on: 19/01/2010
Dreadful customer service and antiquated systems! I've been trying to change the address on my account for over a month. I've sent 3 letters, one by recorded delivery, and they still claim not to have received any of them. They refuse to change it over the phone or on the website as they are "not secure" despite, passwords, security questions. I had my cards stolen at the beginning of December 09 and I'm sitting here on the 19th January with no replacement cards! All the other banks I deal... (read more)
★☆☆☆☆
“Simply the worst internet bank in the world. Unable to...”
Written on: 05/01/2010
Simply the worst internet bank in the world. Unable to log on today so I rang the helpline number and was told the main computer systems were down because of the snow!!!
I have only ever been able to log on once - every other time I have to go through the helpdesk as the system never accepts the latest password. They now have a dedicated phone line just to log customers on to their accounts. Truly, truly terrible.
It is not a big help when you can get online. Their interface was put together...
(read more)
★☆☆☆☆
“Terrible. I have been with them for three years, but...”
Written on: 01/12/2009
Terrible. I have been with them for three years, but am about to sell my business, so it isn't worth changing accounts. Their website is very poor, but most importantly, half the time it DOES NOT WORK. I haven't been able to withdraw funds for over a day, because their server has bugs in it and keeps bringing up an error code (nothing to do with my PC or browser, it's part of their system.) Earlier this year they had the cheek to send me a letter (and presumably all account holders)... (read more)
★☆☆☆☆
“Shocking - I moved from HSBC to the co-operative bank...”
Written on: 26/11/2009
Shocking - I moved from HSBC to the co-operative bank with my business account because I was a happy customer with smile - also part of the co-op bank.
The web interface is horrific and I have suffered it for 4 years. An average salary run for my 6 employees takes me an hour or more! org.omg.Corba no resources ...
I have written an e-mail to the IS Director which of course was not answered, and complaints on the phone are answered with the usual "we are working on it".
No you are...
(read more)
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Showing 31 - 40 of 67 Reviews
★☆☆☆☆
“terrible - slow and crashes all the time. Really bad...”
Written on: 25/11/2009
terrible - slow and crashes all the time. Really bad for business! (read more)
★☆☆☆☆
“Dreadful. ”
Written on: 14/11/2009
Dreadful.
That's why they have been featured on Radio 4's Moneybox programme today.....so many account holders have complained.
Why go to the BBC? Because Co-op do not respond to written or email complaints about their shambolic web and phone service.
It is not ethical for them to add new account holders when their service does not work. It is not ethical for them to pretend everything is OK and ignore the damage they are doing to their account holders businesses.
Ethical? They pick and...
(read more)
★★★★★
“Don't understand these bad reviews - every bank may...”
Written on: 13/11/2009
Don't understand these bad reviews - every bank may have an off day but in terms of overall customer service the Co-op is excellent. The staff really care and on one occasion they called me, told me they had made a mistake on my business account, that they had put it right and had credited my account with £25 for the trouble - if you can find one other bank (anywhere in the world) that would do this then I'll eat my computer!
Their internet banking has had its problems but they tell me that...
(read more)
★☆☆☆☆
“I love the co-op. I have my personal accounts with...”
Written on: 10/11/2009
I love the co-op. I have my personal accounts with them and the internet banking _for the personal login_ is fantastic... straightforward and fast.
When I moved by business accounts over from HSBC I was expecting the same high standards. NO CHANCE!!!
Shockingly slow! It is almost a joke. Slower than dial-up. Feels like im in the 80's.
I have to send _a fax_ (yeah, exactly, what the hell is a fax?!?) to send international transfers... nightmare given that I do this about 5 times a...
(read more)
★☆☆☆☆
“Awful, awful website. I'm really not exaggerating. ”
Written on: 10/11/2009
Awful, awful website. I'm really not exaggerating.
It's always been slow and frequently stopped displaying my balances and transactions, but it's now been properly broken (error messages and crashes) for over a week. A whole week!!! I get mildly annoyed if my free email account goes down for a few minutes but these people have thousands of pounds of my money in their system!
They obviously don't think that on-line banking is very important to business customers so I strongly advise you not...
(read more)
★☆☆☆☆
“It is early days and I've been spoiled by the far...”
Written on: 05/11/2009
It is early days and I've been spoiled by the far superior RBS and Smile internet banking experiences on a personal level and the Coutts and NatWest ones which a couple of clients use.
My Co-operative Bank Business account has been open for about 2 months now and the internet banking details have only just arrived despite promises that the transition from my thankfully still functioning RBS business account would be quick and seamless. I just thank my lucky stars that I didn't elect to have...
(read more)
★☆☆☆☆
“Crash. Crash. Crash. Slow. Crash. ”
Written on: 27/10/2009
Crash. Crash. Crash. Slow. Crash.
And that's on a good day.
(read more)
★☆☆☆☆
“The internet banking service is torture. ”
Written on: 26/10/2009
The internet banking service is torture.
Three years in development and still useless, I wait ten minutes to attempt a single payment, then get disconnected with an error message.
Why have the Coop not sacked the entire development team? It does not take a genius to see the servers are overloaded by a poorly engineered architecture. It is not of commercial quality and should never have been released.
Error messages on the screen every time I log on .... not good enough.
If I could...
(read more)
★☆☆☆☆
“A complete shambles rates this bank too highly. I used...”
Written on: 23/10/2009
A complete shambles rates this bank too highly. I used it to open an account for a local residents' association. Not only did it take me three months to fill in all the forms correctly but the online account is utterly useless - when I can get online. As I only access the account every six weeks or so my password expires and I am forced to phone up (business hours only) in order to get a password reset. When I can get online the transaction listings do not give me the names of people who... (read more)
★☆☆☆☆
“As so many other reviewers, I really would like to...”
Written on: 14/08/2009
As so many other reviewers, I really would like to stay with Co-operative Bank for ethical reasons but simply have to move now as the online banking is so unreliable. Sorry - reliably awful. I've waited over 8 months for it to be fixed, but finally have to concentrate on my actual business not their status bar.
No progress, no updates, only excuses - and a suggestion to phone through payments. Phone through my staff's bank and salary details in an open plan office?
Sorry guys, we're all...
(read more)
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Showing 41 - 50 of 67 Reviews
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Menglish65's Response to FearlessWorrier's Review
Written on: 25/02/2013
Totally agree the worst ever.. and then the call charges when you have to call because the site is down. How do you run a business with the co op as your partner.. answer you can't. Cant pay salaries, supplies on time, very bad.